Rising Interest Rates: Should You Buy Now or Wait?

Interest rates are rising, but does that mean you should wait to buy? In this episode of Dirt Secrets, Kim and Amanda break down what rising mortgage rates actually mean for buyers, sellers, builders, and real estate agents in the Central Florida market. Instead of reacting to national headlines, they look at the numbers behind the Orlando market, builder incentives, cash on hand, home prices, inventory, and the bigger picture buyers need to understand before making a decision. The key isn't simply getting the lowest possible interest rate. It's understanding the entire cost of the deal and figuring out where your money works best. Enjoyed this episode? Subscribe to Dirt Secrets and follow Builders Concierge Group for more real estate insights, new construction updates, and behind-the-scenes content: 👉 **Website:** buildersconciergegroup.com 👉 **Youtube:** www.youtube.com/@DirtSecretsPodcast 👉 **Facebook:** https://www.facebook.com/bcghomesfl 👉 **Instagram:**https://www.instagram.com/buildersconciergegroup **00:00** — Welcome to Dirt Secrets **00:55** — Rising Interest Rates: What Buyers Need to Know **02:35** — Why National Headlines Don't Tell the Whole Story **04:05** — Builder Incentives vs. Lower Home Prices **05:45** — Why Keeping Cash in Your Pocket Matters **07:25** — What's Happening in the Orlando Housing Market **09:10** — Why Buyers Shouldn't Try to Time the Market **10:45** — Is Now Actually a Good Time to Buy? **12:20** — Cash Buyers: Price Cuts or Incentives? **14:05** — Why Cash Is King in This Market **15:25** — Should Sellers Be Worried About New Construction? **17:05** — How Resale Sellers Can Compete With Builders **18:40** — Advice for Builders in a Changing Market **20:10** — Why Location Still Beats Upgrades **21:05** — How Agents Can Become More Valuable to Buyers **22:30** — Know the Data. Know Your Market. **23:15** — The Biggest Takeaway for Buyers **24:34** — Dirt Secrets Outro **The big takeaway:** Don't let an interest-rate headline make the decision for you, look at the numbers, understand the incentives, protect your cash, and evaluate the entire deal before deciding whether to buy or wait. #DirtSecrets #CentralFloridaRealEstate #OrlandoRealEstate #FloridaRealEstate #MortgageRates #InterestRates #NewConstruction #HomeBuying #RealEstateMarket #BuilderIncentives